Analyst-Risk Management

About the Role

This position is part of a highly motivated and innovative US Credit / Debit Bureau Outbound Reporting Policy & Analytics team within the Credit and Fraud Risk organization. The team owns the strategy and policies governing how US Consumer, Small Business, and Corporate accounts are reported to consumer, commercial, and debit bureaus. The incumbent will collaborate across the enterprise to enhance the quality, governance, freshness, and efficiency of US outbound bureau reporting policies through analytics and strategic thinking.

Responsibilities

• Generate data-driven insights into the US consumer credit and debit bureau reporting process, identifying and sizing potential gaps.
• Leverage external data environments for competitor bureau-reporting analytics and benchmarking.
• Investigate individual customer complaints and escalations from a bureau reporting standpoint.
• Perform analytic work to mitigate the volume of records rejected by the bureaus.
• Assess and quantify opportunities to enhance the bureau reporting process.
• Support testing and validation of bureau reporting process changes.
• Partner with cross-functional teams in Operational Bureau Governance, Risk Capabilities, and others within Credit and Fraud Risk.

Qualifications

• Bachelor’s degree in a quantitative field (Business Analytics, MIS, Statistics); Master’s a plus.
• 1-3 years of relevant analytics experience, preferably in financial services.
• Self-starter with experience managing multiple tasks under tight deadlines.
• Proven ability to translate problems into clear, efficient analytic approaches.
• Skill in summarizing, visualizing, and communicating data findings to non-technical audiences.
• Excellent relationship-building and collaboration skills.
• Proficiency with SQL; experience with Hive or Python is a plus.
• Data visualization experience preferred.
• Employment eligibility to work with American Express in the United States (no visa sponsorship available).

About Us

At American Express, our culture is built on a 175-year history of innovation, shared values, and an unwavering commitment to backing our customers, communities, and colleagues. We deliver differentiated products, provide world-class service, and operate with a strong risk mindset to uphold our brand promise of trust, security, and service.

About The Team

We support colleagues with benefits for holistic well-being, including:

• Competitive base salaries and bonus incentives.
• 6% Company Match on retirement savings.
• Free financial coaching and well-being support.
• Comprehensive medical, dental, vision, life, and disability benefits.
• Flexible working models (hybrid, onsite, or virtual based on role).
• 20+ weeks paid parental leave for all parents.
• Free access to global on-site wellness centers (location-dependent).
• Free and confidential counseling through Healthy Minds.
• Career development and training opportunities.

For a full list of benefits, visit our Colleague Benefits Site.

American Express is an equal opportunity employer. We consider all qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability, age, or other protected statuses. We comply with applicable laws regarding consideration of applicants with criminal histories.

Our Amex Flex working model offers greater flexibility while preserving our unique in-person culture. Roles may be onsite, hybrid, or virtual based on business needs.

The expected salary range for this role is location-dependent. Ultimately, pay will consider experience and job-related factors.